Cred Originations Limited

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cred originations limited Company Information

Live

MatureMicroHealthy

Company Number

03012315

Website

gissaloan.com

Registered Address

15-19 cavendish place, 15-19 cavendish place, london, W1G 0DX

Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Telephone

02073166325

Next Accounts Due

September 2025

Group Structure

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Directors

Roger Gewolb28 Years

James Hubbard0 Years

Shareholders

dr roger joel gewolb 100%

cred originations limited Estimated Valuation

£316.8k

Pomanda estimates the enterprise value of CRED ORIGINATIONS LIMITED at £316.8k based on a Turnover of £234.5k and 1.35x industry multiple (adjusted for size and gross margin).

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Cred Originations Limited is a live company located in london, W1G 0DX with a Companies House number of 03012315. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in January 1995, it's largest shareholder is dr roger joel gewolb with a 100% stake. Cred Originations Limited is a mature, micro sized company, Pomanda has estimated its turnover at £234.5k with healthy growth in recent years.

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Pomanda's financial health check has awarded Cred Originations Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating3out of 5

2 Strong

3 Regular

4 Weak

Size

annual sales of £234.5k, make it smaller than the average company (£5.5m)

Growth

3 year (CAGR) sales growth of 12%, show it is growing at a faster rate (4.9%)

EXPORT

Cred Originations Limited's latest turnover from December 2023 is estimated at £234.5 thousand and the company has net assets of £54.7 thousand. According to their latest financial statements, Cred Originations Limited has 1 employee and maintains cash reserves of £130 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Turnover	234,460	224,421	222,475	168,713	168,337	170,226	325,716	305,298	305,004	1,135,890	407,756	6,907	13,568	3,561	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	96,821	85,541	83,231	63,683	60,047	60,786	117,544	111,944	108,101	436,056	160,158	2,889	5,947	1,638	0
Gross Profit	137,639	138,880	139,244	105,030	108,289	109,440	208,172	193,354	196,902	699,834	247,598	4,017	7,621	1,924	0
Admin Expenses	141,653	114,779	115,019	88,055	108,021	123,467	247,026	294,911	300,910	818,908	272,452	10,570	7,630	2,001	-7,132
Operating Profit	-4,014	24,101	24,225	16,975	268	-14,027	-38,854	-101,557	-104,008	-119,074	-24,854	-6,553	-9	-77	7,132
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	8	17	1	1	7	9	5	66	175	80	61	32	19	24	13
Pre-Tax Profit	-4,006	24,117	24,226	16,975	275	-14,018	-38,849	-101,491	-103,833	-118,994	-24,793	-6,521	11	-53	7,144
Tax	0	-4,582	-4,603	-3,225	-52	0	0	0	0	0	0	0	-3	0	-2,000
Profit After Tax	-4,006	19,535	19,623	13,750	223	-14,018	-38,849	-101,491	-103,833	-118,994	-24,793	-6,521	8	-53	5,144
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-4,006	19,535	19,623	13,750	223	-14,018	-38,849	-101,491	-103,833	-118,994	-24,793	-6,521	8	-53	5,144
Employee Costs	84,065	78,761	76,922	75,423	73,857	72,326	138,574	134,817	127,404	368,118	188,550	60,233	60,643	59,336	0
Number Of Employees	1	1	1	1	1	1	2	2	2	6	3	1	1	1	0
EBITDA*	-4,014	24,101	24,225	16,975	268	-14,027	-38,854	-101,557	-104,008	-119,074	-24,854	-6,553	-9	-77	7,132

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Tangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments & Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	17,973	0	0	0	0
Total Fixed Assets	0	0	0	0	0	0	0	0	0	0	17,973	0	0	0	0
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	0	0	0	0	0	0	0	0	0	164,521	53,156	825	2,042	557	0
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	101,301	101,291	77,434	52,284	29,327	18,291	29,164	31,892	98,171	0	0	0	0	0	0
Cash	130	176	778	249	1,231	613	1,764	391	52,758	17,254	14,928	9,580	3,134	4,611	5,146
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	101,431	101,467	78,212	52,533	30,558	18,904	30,928	32,283	150,929	181,775	68,084	10,405	5,176	5,168	5,146
total assets	101,431	101,467	78,212	52,533	30,558	18,904	30,928	32,283	150,929	181,775	86,057	10,405	5,176	5,168	5,146
Bank overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	0	0	0	1,549	1,146	1,693	2,049	292	6,143	81,982	92,270	1,825	75	75	0
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	46,704	42,734	39,014	31,409	23,587	11,609	23,259	27,522	138,826	0	0	0	0	0	0
total current liabilities	46,704	42,734	39,014	32,958	24,733	13,302	25,308	27,814	144,969	81,982	92,270	1,825	75	75	0
loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total liabilities	46,704	42,734	39,014	32,958	24,733	13,302	25,308	27,814	144,969	81,982	92,270	1,825	75	75	0
net assets	54,727	58,733	39,198	19,575	5,825	5,602	5,620	4,469	5,960	99,793	-6,213	8,580	5,101	5,093	5,146
total shareholders funds	54,727	58,733	39,198	19,575	5,825	5,602	5,620	4,469	5,960	99,793	-6,213	8,580	5,101	5,093	5,146

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Operating Activities
Operating Profit	-4,014	24,101	24,225	16,975	268	-14,027	-38,854	-101,557	-104,008	-119,074	-24,854	-6,553	-9	-77	7,132
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	-4,582	-4,603	-3,225	-52	0	0	0	0	0	0	0	-3	0	-2,000
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	10	23,857	25,150	22,957	11,036	-10,873	-2,728	-66,279	-66,350	93,392	70,304	-1,217	1,485	557	0
Creditors	0	0	-1,549	403	-547	-356	1,757	-5,851	-75,839	-10,288	90,445	1,750	0	75	0
Accruals and Deferred Income	3,970	3,720	7,605	7,822	11,978	-11,650	-4,263	-111,304	138,826	0	0	0	0	0	0
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	-54	-618	528	-982	611	-15,160	-38,632	-152,433	25,329	-222,754	-4,713	-3,586	-1,497	-559	5,132
Investing Activities
capital expenditure	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other long term liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
share issue	0	0	0	0	0	14,000	40,000	100,000	10,000	225,000	10,000	10,000	0	0	2
interest	8	17	1	1	7	9	5	66	175	80	61	32	19	24	13
cash flow from financing	8	17	1	1	7	14,009	40,005	100,066	10,175	225,080	10,061	10,032	19	24	15
cash and cash equivalents
cash	-46	-602	529	-982	618	-1,151	1,373	-52,367	35,504	2,326	5,348	6,446	-1,477	-535	5,146
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	-46	-602	529	-982	618	-1,151	1,373	-52,367	35,504	2,326	5,348	6,446	-1,477	-535	5,146

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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CRED ORIGINATIONS LIMITED group structure

Cred Originations Limited has no subsidiary companies.

Ultimate parent company

CRED ORIGINATIONS LIMITED

03012315

CRED ORIGINATIONS LIMITED Shareholders

dr roger joel gewolb

100%

Cred Originations Limited currently has 2 directors. The longest serving directors include Dr Roger Gewolb (Nov 1995) and Mr James Hubbard (May 2024).

officer	country	age	start	end	role
Dr Roger Gewolb		81 years	Nov 1995	-	Director
Mr James Hubbard	United Kingdom	41 years	May 2024	-	Director

P&L

December 2023

turnover

234.5k

+4%

operating profit

-4k

gross margin

58.8%

-5.14%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

December 2023

net assets

54.7k

-0.07%

total assets

101.4k

cash

130

-0.26%

net assets

Total assets minus all liabilities

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company number

03012315

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

January 1995

ultimate parent company

None

previous names

car loan originations limited (September 2023)

the car loan company limited (January 2005)

address

15-19 cavendish place, 15-19 cavendish place, london, W1G 0DX

A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.

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cred originations limited Company Information

cred originations limited Estimated Valuation

cred originations limited Estimated Valuation

cred originations limited Estimated Valuation

Cred Originations Limited Overview

Cred Originations Limited Health Check

CRED ORIGINATIONS LIMITED financials

cred originations limited Credit Report and Business Information

Cred Originations Limited Competitor Analysis

cred originations limited Ownership

cred originations limited directors

cred originations limited company details

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